Regalia Gold Credit Card

Experience premium rewards & travel perks with the HDFC Regalia Gold Credit Card. Earn accelerated points on key brands, enjoy up to 12 domestic + 6 international lounge visits, milestone vouchers, concierge services & comprehensive insurance

Introduction

The HDFC Regalia Gold Credit Card is a premium lifestyle card designed for high-spending individuals who value luxury, travel privileges, and accelerated rewards. Packed with exclusive benefits such as complimentary lounge access, milestone travel vouchers, concierge services, and comprehensive insurance coverage, this card combines status and savings in one elegant package. Whether you’re a frequent flyer, a discerning shopper, or someone who seeks exclusive privileges, Regalia Gold offers unmatched value and convenience tailored to your lifestyle

What is the hdfc regalia gold credit card

• Annual Fee: ₹2,500 plus GST, waived if you spend ₹4 lakh in a year
• Reward Points:
  • Base: 4 Reward Points (RPs) for every ₹150 spent
  • Bonus: 20 RPs per ₹150 on Myntra, M&S, Nykaa, and Reliance Digital (capped monthly)
• Milestone & Welcome Benefits:
  • Welcome gift voucher worth ₹2,500 (after paying the joining fee)
  • Quarterly vouchers (₹1,500 each) for spending ₹1.5 lakh
  • Two rent-free flight vouchers (₹5,000 each) when you spend ₹5 lakh and ₹7.5 lakh annually
• Airport Lounge Access:
  • 12 domestic lounge visits per year
  • 6 international lounge visits via Priority Pass (for both primary and add-on cards)
• Insurance Coverage:
  • Air accident coverage up to ₹1 crore
  • Overseas medical cover up to ₹15 lakh
  • Lost card liability protection up to ₹9 lakh
• Additional Benefits:
  • Contactless payments (up to ₹5,000)
  • Option to convert big purchases into EMIs post-transaction
  • Competitive 2% forex charges

Annual fess & Charges

• Joining Fee: ₹2,500 + GST
• Annual (Renewal) Fee: ₹2,500 + GST
  • Waiver: If you spend ₹4 lakh or more within the card’s annual anniversary period, the renewal fee is waived.

🧾 Key Charges

• Add-on Card: Complimentary (no fee)
• Foreign Currency Markup (Forex Fee): 2% + applicable GST
• Cash Advance / ATM Withdrawal Fee: Either 2.5% of the withdrawn amount or ₹500 minimum (whichever is higher)
• Cash Advance Interest: Charged at approximately 3.5–3.6% per month, which annualizes to roughly 42–44% APR
• Overlimit Charge: 2.5% of the overlimit amount (₹550 minimum)
• Late Payment Fee:
  • No fee up to ₹100 due
  • ₹100 for dues between ₹101–₹500
  • ₹500 for ₹501–₹1,000
  • ₹600 for ₹1,001–₹5,000
  • ₹750 for ₹5,001–₹20,000
  • ₹1,000 for amounts exceeding ₹20,000
  • (Certain banks may charge slightly more if outstanding grows larger)
• Reward Redemption Fee: ₹99 per redemption
• Railway Ticket Booking Fee: 1% of the ticket value + GST (typically reversed post-transaction)
• Cash Processing Fee at HDFC Branch/ATM: ₹100
• Balance Transfer Fee: 1% of the transferred amount (minimum ₹250)
• Smart EMI / Insta-Jumbo Loan Fees:
  • Smart EMI: ₹499 + GST
  • Insta/Jumbo Loan: ₹999 + GST
  • Pre-closure Fee: About 3% of the outstanding amount
• Duplicate Statement: ₹10 per copy
• Lost or Damaged Card Replacement: ₹100
• Outstation Cheque Processing: ₹25 for amounts up to ₹5,000; ₹50 if above ₹5,000
• Dynamic Currency Conversion (DCC) Markup: 1% + GST
• Merchant Card Validation: ₹2 per validation check

Security & Safety Features

EMV Chip & PIN Technology

• Comes with an embedded EMV chip for added protection against counterfeit fraud.
• Requires a 4-digit PIN for all in-person transactions to prevent unauthorized use.

Contactless Payments with Limits

• Supports Tap & Pay (NFC) for quick transactions under ₹5,000 without a PIN.
• For transactions above ₹5,000, PIN authentication is required, adding an extra layer of safety.

Zero Liability on Lost/Stolen Card

• If your card is lost or stolen and you report it promptly, you’re not liable for fraudulent transactions that happen afterward.
• Customer care and app options available 24/7 to block the card immediately.

Real-Time Transaction Alerts

• You’ll get instant SMS and email alerts for every transaction, helping you detect suspicious activity immediately.

Two-Factor Authentication for Online Use

• For online purchases in India, a one-time password (OTP) is sent to your registered mobile number/email to complete transactions.
• Complies with RBI-mandated 2FA (two-factor authentication).

How to apply Hdfc Regalia Gold Credit Card

1. ✅ Check Your Eligibility

• Age: Typically 21–60 if salaried; up to 65 if self‑employed
• Income: Generally ₹1 lakh+ net monthly for salaried; ₹12–18 lakh+ annual taxable profit for self‑employed

2. 🖥️ Apply Through HDFC Website

1. Visit the Regalia Gold page on HDFC’s website
2. Opt to “Check Eligibility” using your mobile number or PAN
3. Complete the application form with your personal, employment, and financial details
4. Submit the form and await confirmation via SMS, email, or on-screen notification

3. 🏦 Apply at an HDFC Branch

1. Visit a nearby HDFC branch
2. Request the Regalia Gold Credit Card application form
3. Fill it out and submit along with required documents (ID, address, income proof)
4. Depending on eligibility, you may be offered a variant with a waived fee

4. 📄 Prepare Required Documents

• Identity proof: Aadhaar, PAN, passport, or driver’s license
• Address proof: Utility bills, passport, or Aadhaar
• Income proof:
  • Salaried: salary slip or Form 16
  • Self‑employed: tax returns or income statements

5. 🎥 Complete KYC & Mandates

• Online applicants may need to do a quick video‑KYC
• Offline applicants might need to authorize a direct debit mandate (SI) to auto-pay bills

Conclusion

The HDFC Regalia Gold Credit Card is a strong choice for individuals seeking a premium credit card with attractive travel and lifestyle benefits without the very high fees of top-tier cards. It offers rewarding points on popular online shopping platforms, complimentary airport lounge access, and valuable insurance coverage, making it well-suited for frequent travelers and digital shoppers.

While the annual fee is moderate, it can be waived by meeting a reasonable annual spending requirement, enhancing the card’s value proposition. The card also incorporates robust security features and flexible payment options, ensuring a safe and convenient user experience.

Overall, the Regalia Gold card balances rewarding features with manageable costs, making it an excellent option for those looking to upgrade their credit card benefits with a trusted bank like HDFC.

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FAQs

By:Karan kumar